What Is the Current Foreclosure Rate in the U.S.?
In March 2026, U.S. foreclosure activity increased from the prior month and remained higher than levels reported one year earlier, continuing a gradual normalization trend in the housing market.
- Total filings: 45,921 properties with default notices, scheduled auctions, or bank repossessions
- Monthly change: Up 18 percent from February 2026
- Year-over-year change: Up 28 percent from March 2025
- National rate: One in every 3,131 housing units had a foreclosure filing
- States with the worst foreclosure rates: South Carolina, Indiana, Florida, Illinois, and New Jersey
Foreclosure Starts and Completions
Starts: Lenders initiated foreclosure proceedings on 30,334 U.S. properties during March 2026, up 17 percent from February and 21 percent above the level seen one year earlier.
Completions (REOs): Lenders repossessed 5,229 properties in March 2026, up 28 percent from the previous month and up 42 percent from March 2025.
What’s Driving March 2026 Foreclosure Trends?
Foreclosure activity in March 2026 continued to reflect a broader normalization trend following pandemic-era lows. Filings rose month over month, indicating a modest increase in distress, though volumes remain well below housing crisis levels. Strong homeowner equity, tight underwriting, and persistent demand continue to limit widespread foreclosure pressure.
Foreclosure Rates by State – March 2026
1. South Carolina
1 in every 1,996 housing units (1,224 filings / 2,443,039 units)
Counties: Kershaw, Chester, Dorchester, Richland
2. Indiana
1 in every 2,122 housing units (1,403 filings / 2,976,568 units)
Counties: Morgan, Union, Madison, Martin
3. Florida
1 in every 2,124 housing units (4,829 filings / 10,256,470 units)
Counties: Baker, Hamilton, Hendry, Levy
4. Illinois
1 in every 2,238 housing units (2,439 filings / 5,457,452 units)
Counties: Ford, Cumberland, Dewitt, Knox
5. New Jersey
1 in every 2,266 housing units (1,673 filings / 3,791,354 units)
Counties: Cumberland, Salem, Gloucester, Camden
6. Nevada
1 in every 2,421 housing units (548 filings / 1,326,471 units)
Counties: Lander, Clark, White Pine, Pershing
7. Maryland
1 in every 2,443 housing units (1,048 filings / 2,560,784 units)
Counties: Baltimore City, Caroline, Charles, Kent
8. Georgia
1 in every 2,466 housing units (1,842 filings / 4,541,835 units)
Counties: Troup, Quitman, Decatur, Butts
9. Ohio
1 in every 2,538 housing units (2,085 filings / 5,292,391 units)
Counties: Cuyahoga, Jefferson, Knox, Darke
10. Texas
1 in every 2,598 housing units (4,669 filings / 12,128,515 units)
Counties: Liberty, Gregg, Kaufman, Edwards
11. Alabama
1 in every 2,647 housing units (883 filings / 2,337,265 units)
Counties: Coosa, Greene, Jefferson, Fayette
12. Delaware
1 in every 2,796 housing units (166 filings / 464,203 units)
Counties: Kent, New Castle, Sussex
13. Utah
1 in every 2,806 housing units (436 filings / 1,223,468 units)
Counties: Piute, Tooele, Uintah, Sevier
14. Iowa
1 in every 2,916 housing units (493 filings / 1,437,699 units)
Counties: Winnebago, Clinton, Jasper, Fremont
15. Louisiana
1 in every 2,929 housing units (720 filings / 2,108,902 units)
Counties: Ascension, Saint Charles, Tangipahoa, Livingston
16. North Carolina
1 in every 2,955 housing units (1,657 filings / 4,895,668 units)
Counties: Northampton, Tyrrell, Graham, Rockingham
17. Arizona
1 in every 2,976 housing units (1,073 filings / 3,192,839 units)
Counties: Pinal, Graham, Pima, Cochise
18. California
1 in every 3,088 housing units (4,742 filings / 14,644,735 units)
Counties: Trinity, Mendocino, Shasta, Lake
19. Pennsylvania
1 in every 3,134 housing units (1,853 filings / 5,806,452 units)
Counties: Philadelphia, Montgomery, Fayette, Lancaster
20. New York
1 in every 3,157 housing units (2,719 filings / 8,585,241 units)
Counties: Montgomery, Genesee, Herkimer, Greene
21. Colorado
1 in every 3,244 housing units (798 filings / 2,589,053 units)
Counties: Pueblo, Washington, Elbert, Huerfano
22. Oklahoma
1 in every 3,356 housing units (529 filings / 1,775,127 units)
Counties: Muskogee, Canadian, Noble, Woods
23. Alaska
1 in every 3,476 housing units (92 filings / 319,781 units)
Counties: Prince of Wales-Hyder Census Area, Anchorage, Ketchikan Gateway, Matanuska-Susitna
24. Minnesota
1 in every 3,590 housing units (709 filings / 2,545,030 units)
Counties: Sibley, Lac Qui Parle, Isanti, Freeborn
25. Michigan
1 in every 3,907 housing units (1,183 filings / 4,622,236 units)
Counties: Jackson, Shiawassee, Oceana, Montcalm
26. Arkansas
1 in every 3,918 housing units (356 filings / 1,394,673 units)
Counties: Arkansas, Howard, Lafayette, Clay
27. New Mexico
1 in every 4,291 housing units (223 filings / 956,964 units)
Counties: Colfax, Union, Valencia, Torrance
28. Idaho
1 in every 5,000 housing units (159 filings / 795,014 units)
Counties: Gem, Payette, Franklin, Bannock
29. Nebraska
1 in every 5,330 housing units (162 filings / 863,444 units)
Counties: Thayer, Frontier, Hamilton, York
30. Connecticut
1 in every 5,391 housing units (286 filings / 1,541,822 units)
Counties: Northeastern Connecticut, South Central Connecticut, Naugatuck Valley, Greater Bridgeport
31. Kentucky
1 in every 5,498 housing units (368 filings / 2,023,116 units)
Counties: Kenton, Muhlenberg, Hancock, Christian
32. Tennessee
1 in every 5,594 housing units (562 filings / 3,143,670 units)
Counties: Hardeman, Montgomery, Houston, Humphreys
33. Virginia
1 in every 5,686 housing units (648 filings / 3,684,756 units)
Counties: Emporia City, Sussex, Hopewell City, Greensville
34. Washington
1 in every 5,711 housing units (579 filings / 3,306,620 units)
Counties: Franklin, Grays Harbor, Lewis, Cowlitz
35. Wyoming
1 in every 5,774 housing units (48 filings / 277,141 units)
Counties: Hot Springs, Sweetwater, Campbell, Lincoln
36. Missouri
1 in every 5,790 housing units (488 filings / 2,825,287 units)
Counties: Wright, Vernon, Dent, Iron
37. Mississippi
1 in every 5,856 housing units (229 filings / 1,341,114 units)
Counties: Sunflower, Tunica, Panola, Grenada
38. New Hampshire
1 in every 5,949 housing units (109 filings / 648,472 units)
Counties: Cheshire, Belknap, Rockingham, Merrimack
39. Massachusetts
1 in every 5,965 housing units (508 filings / 3,030,406 units)
Counties: Franklin, Hampden, Worcester, Bristol
40. Maine
1 in every 6,015 housing units (125 filings / 751,876 units)
Counties: Aroostook, Sagadahoc, Somerset, Knox
41. Oregon
1 in every 6,683 housing units (278 filings / 1,857,992 units)
Counties: Umatilla, Columbia, Clackamas, Malheur
42. Hawaii
1 in every 6,926 housing units (82 filings / 567,896 units)
Counties: Honolulu, Hawaii, Kauai, Maui
43. Rhode Island
1 in every 7,476 housing units (65 filings / 485,932 units)
Counties: Kent, Providence, Bristol, Washington
44. West Virginia
1 in every 7,622 housing units (113 filings / 861,325 units)
Counties: Cabell, Grant, Raleigh, Hampshire
45. Kansas
1 in every 8,984 housing units (144 filings / 1,293,635 units)
Counties: Morton, Graham, Cheyenne, Cherokee
46. Wisconsin
1 in every 9,051 housing units (307 filings / 2,778,572 units)
Counties: Langlade, Marinette, Taylor, Marathon
47. North Dakota
1 in every 9,928 housing units (38 filings / 377,281 units)
Counties: Nelson, Pierce, Mchenry, Morton
48. Montana
1 in every 10,162 housing units (52 filings / 528,419 units)
Counties: Sweet Grass, Big Horn, Stillwater, Hill
49. Vermont
1 in every 12,557 housing units (27 filings / 339,042 units)
Counties: Bennington, Rutland, Essex, Orleans
50. South Dakota
1 in every 16,880 housing units (24 filings / 405,114 units)
Counties: Yankton, Pennington, Minnehaha, Brookings
Key Insights from March 2026 Foreclosure Market Report
Foreclosure activity in March 2026 increased compared with the previous month and year, extending the ongoing normalization trend. While filings have risen from prior lows, overall foreclosure activity remains significantly below peak levels seen during the housing crisis.
Explore ATTOM’s Foreclosure Data
ATTOM’s Foreclosure Data tracks default notices, scheduled auctions, and bank repossessions nationwide, with historical trends and county-level insights. This data empowers lenders, investors, and market analysts to monitor loan default trends, assess market risks, and uncover investment opportunities.
